Search found 3706 matches

by rustymutt
Mon Aug 05, 2019 3:31 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 12576

Re: Buy During This Dip?

But what if the dip continues for say, 2 years and ends up 50% down, before starting backup? This is why your portfolio should be ready for anything the market can throw at it. Well balanced with good credit quality and some tbills.
by rustymutt
Thu Aug 01, 2019 6:55 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 263479

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I don't partake, but have friends who have invested in these 2&3x leveraged funds. Yes, they've made money, but lost money also, and kept telling me that I was investing correcting, and my 10% annual 10 year return was boring, but working also, and they saw the results. To me it looks as if they wer...
by rustymutt
Wed Jun 26, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8768

Re: Dave Ramsey says to give up employer 401K match to pay down debt

The truth around this can vary from client to client and he shouldn't make blanket statements, trying for square peg in round hole. This is the whole issue I have with Mr Ramsey's approach to investments. We sure know where is stands on debt, and I don't disagree with him there. :oops:
by rustymutt
Wed Jun 26, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Hiring landscapers that do a great job
Replies: 18
Views: 1455

Re: Hiring landscapers that do a great job

I still do it myself, cause know no else does as great of job as I do. Good businesses should, but God help us find them.
:?
by rustymutt
Tue Jun 11, 2019 8:59 pm
Forum: Personal Investments
Topic: Paul Merriman UBH vs Vanguard Mkt Cap model
Replies: 22
Views: 2078

Re: Paul Merriman UBH vs Vanguard Mkt Cap model

You might find this page from Marketwatch interesting. It's a comparison of recent returns from eight "lazy" portfolios, including Mr. Merriman's UBH (it's labelled as "Fundadvice" in the chart). I'll tell you what's lazy about that link.... they are comparing apples and oranges. The UBH on there i...
by rustymutt
Tue Jun 11, 2019 8:47 pm
Forum: Personal Investments
Topic: Jack Bogle: Vanguard Balanced Index is "Very Tax Efficient Fund"
Replies: 14
Views: 3461

Re: Jack Bogle: Vanguard Balanced Index is "Very Tax Efficient Fund"

I switched both my IRA, and regular taxed investment to VBIAX 3 years, and have been happy since. .07% er. :sharebeer
by rustymutt
Sat May 25, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: Switching from Vanguard to Schwab
Replies: 19
Views: 2927

Re: Switching from Vanguard to Schwab

I'm amazed at comments that mention how great their brokers are. They all just provide a service, and some seem better than others, but in the end it's not the broker that makes or breaks you, but bad deceptions that that people don't understand that bring em down. I'm with Vanguard, and happy with ...
by rustymutt
Sat May 25, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6254

Re: What has changed in new home construction over the years?

If I were to build a new home today, with the lifetime experiences I've had, I'd hire an architect who specializes in residential homes. They can make sure quality is being processed at the each stage of the project. Might even hire a builder that the architect has done business with in past, and re...
by rustymutt
Wed May 22, 2019 7:28 pm
Forum: Personal Investments
Topic: An Advisor Refusing To Sell Investments
Replies: 65
Views: 8210

Re: An Advisor Refusing To Sell Investments

File an complaint with the federal trade commission. FTC
by rustymutt
Mon Apr 01, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: What is the Boglehead opinion of the inverted yield curve?
Replies: 70
Views: 7127

Re: What is the Boglehead opinion of the inverted yield curve?

What goes up, must come down. And I know that the long term outlook for stocks is positive on a slope factor. ""Reversion to the mean", as Mr Bogle calls it. We've been up now for quite a few years, and many factors pointing towards a severe recession, that the feds won't have the tools they had las...
by rustymutt
Sat Mar 30, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: New Fridge?
Replies: 28
Views: 2540

Re: New Fridge?

quote I could inform you which brands to NOT buy - Samsung/LG. This is based on past experience and my appliance repair shop manager. This also carries over to Washer/Dryers. They are fine for TVs but I prefer Sony. I have GE for kitchen appliances. Unfortunately, the older models are more reliable ...
by rustymutt
Thu Feb 28, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Car Navigation System Update
Replies: 36
Views: 2153

Re: Car Navigation System Update

I did this with a Ford product of year 2006, and the new map was worse than the one it had replaced. I complained to Ford officials, and never heard back. Won't be buying a Ford product again.
by rustymutt
Mon Jan 14, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13675

Re: Recommendations for a 9mm handgun

I've shot all the weapons mention above. I'm licensed and own an APC 380 Bersa Thunder, with laser grips. I prefer an automatic with a safety, rather than not. It's personal choice, and I made mine. It's a clone of a Walther PPK. Safety first!
by rustymutt
Thu Nov 08, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 16017

Re: How much money are you leaving your kids after you die?

As little as possible. I don't owe them anything, and find parents who think they owe their kids to be rather lacking wisdom. :sharebeer They can have what's left over.
by rustymutt
Sat Sep 29, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 16242

Re: Sears, a 125 year old company is now a penny stock.

I remember working at Sears during my senior year in high school. Christmas time was jammed packed with families spending money on what they thought was cheap credit, @ 28% compounded annually. I recalling this shocked us at the time. High inflation does horrid things to the economy. In my mind anyw...
by rustymutt
Wed Sep 19, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Insurance slow to pay claims post accident - options?
Replies: 5
Views: 610

Re: Insurance slow to pay claims post accident - options?

Contact the insurance commissioner in your state, and let them know through a complaint letter. You might also let your insurance company know your doing this. They are rated by consumer complaints, and hate dealing with them. You could also hire an attorney who specializes in insurance issues.
by rustymutt
Fri Aug 31, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 113582

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Look at the same data for the period of 2000-2007. Without internationals, you'd been very unhappy with the results. Enough said.
by rustymutt
Wed Jul 25, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1680

Re: Cablevisions Bill

I cut ties to cable back in 1994 and never have regretted it. They are the monthly ripoff kingpin in my book.You paid them to have ad piped into your home, and with that, they still raise rates often without much notice, stating they are adding channels. Will I can only watch one at time. This to me...
by rustymutt
Mon Jul 23, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4094

Re: Laminate Floor making 'popping' noise

The fit will definitely change with the weather, and you should trim the spots where there is no gap. I'm not sure what to suggest for trimming along any toe-kick spaces. Your wrist is going to shake like crazy even with a high end oscillating tool. However, it will save time versus pulling up the ...
by rustymutt
Mon Jul 23, 2018 3:01 pm
Forum: Personal Investments
Topic: AT&T Stock?
Replies: 20
Views: 3024

Re: AT&T Stock?

I retired from AT&T, and have not owned them outside my ETF's. It's a value stock and does poorly for long periods. In exchange for what is dividends. Compared to what I've done with a balanced mix of international, home basis funds, ETF's, and government bonds, I wouldn't want try and pick stocks a...
by rustymutt
Thu Jul 19, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4094

Re: Laminate Floor making 'popping' noise

Having laid down these floors myself, I'm guessing that you've got a bineup or area without the proper spacing for expansion, as that stuff can expansion considerably depending on humidity. I recall opening the boxes 48 hours before, to let them conform to the environment. Check around the edges for...
by rustymutt
Tue Jun 19, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 128818

Re: Anyone regret paying off mortgage early?

None, not a single regret to paying off any debt early. And now I live debt free. Thanks for the education everyone who contributes to this forum had in helping set me up. :sharebeer
by rustymutt
Tue Jun 19, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: International Market Volatility? (Foreign stocks in freefall?)
Replies: 12
Views: 1836

Re: International Market Volatility? (Foreign stocks in freefall?)

I'm going to hang on to my memory of the 2000's in which for a large part was carried by internationals, developed markets.
And the US was not headed in that direction. It's part of a balanced portfolio of broad diversification :sharebeer , and has been, and well be. End of discussion.
by rustymutt
Mon Jun 11, 2018 9:16 am
Forum: Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 12809

Re: What are you doing with cash?

I carry my cash in my wallet. Clips don't get it. Coin purch is definitely out for me. I enjoy stuffing donation boxes at times. I carry cash in my wallet, but almost never spend the cash in my wallet. I use a credit card for groceries, gas and shopping, and use a rewards card for coffee at Starbuc...
by rustymutt
Wed Jun 06, 2018 4:26 pm
Forum: Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 12809

Re: What are you doing with cash?

I carry my cash in my wallet. Clips don't get it. Coin purch is definitely out for me. I enjoy stuffing donation boxes at times.
by rustymutt
Fri Jun 01, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 4710

Re: New roof - does this ridge vent look right?

I've installed several roofs myself (rent houses) with ridge vents. While unsightly, I do not see any reason for the vent not to function properly. It appears the fasteners were overdriven. I would think it an easy fix for the roofer. I am not sure why they would not address it. On second look of t...
by rustymutt
Fri Jun 01, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 15536

Re: Best Advice You Never Took

When I went to work doing the exact job my father had done over 37 years with the same company, different subsidiary, he told me, "Keep your mouth shut and just do your job. I found that imposible. LOL
by rustymutt
Fri Jun 01, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 10012

Re: is Having more and needing less normal?

I think it varies from person to person. Working hard and saving money makes the person. It's hard to stop habits that are now just standard for your living, whatever that might be. Some might want things, and others might now care for things, but want relationships with things. Health issues change...
by rustymutt
Fri Jun 01, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 4287

Re: Sherwin Williams paint

I used their paints for my entire home and the second best is better than the other best. Great paint. Very happy with their products. Prep work is also critical to a great paint job. Bad prep can make any paint look bad.
by rustymutt
Thu May 31, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pueblo, CO area places to live
Replies: 12
Views: 1645

Re: Pueblo, CO area places to live

Might be moving to Pueblo, CO. Just the wife and I. 2-3 years max. Prefer not to buy, but with the company footing the transaction costs, maybe. $500k budget, $3000 rent. I looked on Zillow and it seems we have our choice of anywhere in Pueblo or Colorado Springs. What areas should we be looking at...
by rustymutt
Tue May 29, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 4710

Re: New roof - does this ridge vent look right?

No, I see exposed nails. Do not pay them for that work.
by rustymutt
Mon May 28, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: GFCI trips when toaster oven turned on
Replies: 33
Views: 3301

Re: GFCI trips when toaster oven turned on

Your toaster is ....well, toast. LOL The other outlet may be on another GFCI Breaker. My kitchen island is on different GFCI circuist.
by rustymutt
Mon May 28, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 63
Views: 7636

Re: Quicken Alternatives

When they are done supporting me and my 2017, I may be forced back to a physical checkbook. I'll not be held hostage to reoccurring charges that all areas of business seem hell bent on getting us all onboard with. The cable TV model I call it.
by rustymutt
Mon May 28, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 71
Views: 28023

Re: Thoughts on Paul Merriman's Portfolio

My thoughts are that I'm glad I found Paul's weekly Internet show in the early 90's and changed the way I think about investing. 8% average over the last 20 years. Didn't win any gold metals, but it worked, and for that I will forever be grateful.
by rustymutt
Mon May 28, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 9734

Re: Is inflation the greatest risk to retirement portfolios?

Perhaps deflation is really the bad thing we don't want. Long periods were prices keep slipping, edging, backwards, rather than increasing as historical it has in our society. No problem there, at least for the moment. Investing is a balancing act like none other. For the record I'm 10% TIPs.
by rustymutt
Fri May 25, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: When did this start?? [Restaurant tipping on total bill]
Replies: 58
Views: 5078

Re: When did this start??

I enjoy giving to others who serve. It lets them know they are appreciated. We all need to know that we're appreciated for doing the service we provide. I have in the past, paid for veterans meals at restaurants. No reason other than I could, and wanted them to know how much their service to our nat...
by rustymutt
Thu May 24, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Morningatar: sending portfolio info about OTHER PEOPLE?
Replies: 4
Views: 759

Re: Morningatar: sending portfolio info about OTHER PEOPLE?

I cancelled my new membership because of connection issues that I couldn't figure out. Oh well.
by rustymutt
Fri May 18, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 5361

Re: Bed Bugs

Could they have produced those bed bugs to gain your wealth? Sounds to me like fear marketing driving their business model. So many crooked service businesses. Check them out with the BBB, and other agencies locally. To me it's like the Lifelock marketing strategies, which use fear to gain customers...
by rustymutt
Thu May 10, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 7706

Re: What's the view on dogs running free?

Farm country, yeah, release the hounds. Location, location, location.
Regardless of whether or not your dog runs free, you are responsible for your animals, animal. Many cities have ordinances against dogs running free. For good reason, as dogs are pack animals by nature.
by rustymutt
Sat May 05, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: For all ETF users "must read" [Morningstar: 5 Tips for Trading ETFs]
Replies: 4
Views: 1059

For all ETF users "must read" [Morningstar: 5 Tips for Trading ETFs]

This MourningStar article was very informative, and I'd like to share it with others. I'm a premium member, and not sure how that works. Here is a link to it.

http://www.morningstar.com/articles/863 ... -etfs.html
by rustymutt
Tue May 01, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 2063

Re: Flood Insurance

Contact your local county extension office, or city, and ask them about the flood maps for your area. 1000 year flood field would shed light on your needs for this insurance. This is how developers go about starting a development. This way you learn more information about your neighborhood, and weat...
by rustymutt
Tue May 01, 2018 9:57 am
Forum: Personal Investments
Topic: How to get a better school district 457 plan?
Replies: 15
Views: 1324

Re: How to get better plans?

I'm actually with a school district. Are there costs to the district for offering a different savings vehicle if they're not doing any types of matching? In my mind, they're essentially saying to a provider, "Here, you take my employee's money". I'd assume there'd be some fee passed on to me, the e...
by rustymutt
Fri Apr 27, 2018 9:23 am
Forum: Personal Investments
Topic: How to get a better school district 457 plan?
Replies: 15
Views: 1324

Re: How to get better plans?

So I've been contributing to a 457b for a few years when I realized how bad the fees actually were. Went to my employer and asked how to get a better plan for our employees but either they blew me off or truly had no idea what to do. They did tell me they were open to other options and I could call...
by rustymutt
Fri Apr 27, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 13957

Re: Amazon to raise Prime membership in US to $119 from $99

So it’s $10/month, up from $8.33. Psychologically $119 seems like quite a bit more than $99 though. I get quite a bit of value out of Amazon Prime Video and Amazon is very convenient for shopping. But I am being more careful now to check prices. That’s the biggest dealbreaker for me, if they start ...
by rustymutt
Tue Apr 17, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 7571

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

I'm a pilot, and wouldn't board any MD plane in service, and certainly not Allegiant. That manufacture isn't around anymore to take care of the planes. Rode on MD to St Louis a decade or longer ago, and the noise, metal pops, and gear noise was the loudest I've ever heard. Decided then that I wouldn...
by rustymutt
Sat Apr 14, 2018 1:17 pm
Forum: Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 11673

Re: Why traditional IRA better than Roth IRA

Misinformation is all about. IRAs are taxed as ordinary income. Make no major financial decisions without first getting professional advice. This is true especially if you're just starting out. Be eager to learn about your own financial situation.
by rustymutt
Tue Apr 03, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 14352

Re: Not going to be buying chicken for a while...

Could be over cooking chicken which does dry out and tuffin up the meat. I use a temp gauge to 165 center of breast. Perfectly moist and tender every time. Also I marinade the breast in oil, liquid smoke, herbs, and garlic for at least an hour in fridge. With brown rice, sweet potato, and green bea...
by rustymutt
Tue Apr 03, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 6736

Re: Microsoft tech support scam - how to recover?

I've become cautious about anything I don't start in communications of any sort nowadays. Voice is still the best and most primary of all form of communications. Video is nice if all parties have it in use. Way to many ladys wouldn't want a call first thing in the morning in the form of video, nor m...
by rustymutt
Wed Mar 28, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 14352

Re: Not going to be buying chicken for a while...

Could be over cooking chicken which does dry out and tuffin up the meat. I use a temp gauge to 165 center of breast. Perfectly moist and tender every time. Also I marinade the breast in oil, liquid smoke, herbs, and garlic for at least an hour in fridge. With brown rice, sweet potato, and green beans.
by rustymutt
Sun Mar 18, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Count Out Commodities
Replies: 51
Views: 8352

Re: Larry Swedroe: Don’t Count Out Commodities

I'd be concerned that I'd end up with a yard full of corn that I couldn't move. I have to side with Rick on this discussion. Commodities don't belong in my portfolio. Now if I was as rich as Warren Buffet, or Bill Gates, then maybe some of my wealth could be in some commodities. Better yet, I could ...